KOVERIM
ActiveKOVERIM has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €69k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 7931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+59
Solvency28▲+6
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.51 against 0.46 in 2024; short-term debt: 45.1% and cash: 1.5% of total assets), and 96.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
3.1%
Return on assets
6.3%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 7931 sector peers (2025).
NBB · sector comparisonPosition among 7931 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
42 d early
2023
1 d early
2022
63 d early
2021
11 d early
2020
4 d early
2019
17 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€33k
2024 · €-36k
2019: €54k
2020: €30k
2021: €149k
2022: €126k
2023: €97k
2024: €-36k
2019 → 2025
Total assets
€1.09M▼ 6.1%
2024 · €1.16M
2019: €959k
2020: €906k
2021: €832k
2022: €1.05M
2023: €1.01M
2024: €1.16M
2019 → 2025
Net result
€69k
2024 · €-133k
2019: €-114k
2020: €-24k
2021: €119k
2022: €-23k
2023: €-42k
2024: €-133k
2019 → 2025
Working capital
€-241k▲ 18.1%
2024 · €-294k
2019: €-301k
2020: €-178k
2021: €-60k
2022: €-125k
2023: €-116k
2024: €-294k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€149k-€126k▼ 15.4%€97k▼ 22.6%€-36k€33k
Operating result€164k-€-6k€-24k▼ 278%€-82k▼ 250%€105k
Net result€119k-€-23k€-42k▼ 86.0%€-133k▼ 213%€69k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €105k after a loss of €82k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€764k▼ 5.7%
Current assets
€250k▼ 1.2%
Equity and liabilities €1.09M
Equity
€33k
Provisions
€16k
Debt
€1.04M
Debt finances 95.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€180k▲
2024 · €-11k
Cash flow
€145k▲
2024 · €-62k
Solvency
3.1%▲
2024 · -3.1%
Current ratio
0.51▲
2024 · 0.46
Quick ratio
0.22▲
2024 · 0.19
Debt / equity
30.99▲
2024 · -33.12
ROE
206.1%
ROA
6.3%▲
2024 · -11.5%
Interest coverage
4.36▲
2024 · -0.27
Debt
€1.04M▼
2024 · €1.18M
Debt ≤ 1 year
€491k▼
2024 · €547k
Debt > 1 year
€545k▼
2024 · €630k
Income taxes
€301▼
2024 · €357
Staff costs
€149k▼
2024 · €348k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.16M€1.09M▼
Formation expenses20€94k€73k▼
Fixed assets21/28€811k€764k▼
Intangible fixed assets21€16k€14k▼
Tangible fixed assets22/27€763k€718k▼
Land and buildings22€573k€555k▼
Plant, machinery and equipment23€33k€24k▼
Furniture and vehicles24€1k€3k▲
Leasing and similar rights25€131k€117k▼
Other tangible fixed assets26€25k€19k▼
Financial fixed assets28€32k€33k▲
Current assets29/58€253k€250k▼
Amounts receivable after more than one year29€30k-
Other amounts receivable291€30k-
Stocks and contracts in progress3€148k€141k▼
Stocks30/36€148k€141k▼
Amounts receivable within one year40/41€56k€86k▲
Trade receivables40€39k€64k▲
Other amounts receivable41€17k€22k▲
Cash at bank and in hand54/58€16k€16k▼
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.16M€1.09M▼
Equity10/15€-36k€33k▲
Contributions10/11€298k€298k=
Capital10€298k€298k=
Issued capital100€298k€298k=
Revaluation surpluses12€14k€14k=
Reserves13€110k€108k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€92k€90k▼
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€-458k€-386k▲
Provisions and deferred taxes16€17k€16k▼
Deferred taxes168€17k€16k▼
Amounts payable17/49€1.18M€1.04M▼
Amounts payable after more than one year17€630k€545k▼
Financial debts170/4€344k€259k▼
Other amounts payable178/9€286k€286k=
Amounts payable within one year42/48€547k€491k▼
Current portion of amounts payable after more than one year42€114k€89k▼
Financial debts43€183k€208k▲
Credit institutions430/8€183k€208k▲
Trade debts44€173k€143k▼
Suppliers440/4€173k€143k▼
Taxes, remuneration and social security45€68k€50k▼
Taxes450/3€14k€9k▼
Remuneration and social security454/9€54k€41k▼
Other amounts payable47/48€8k€1k▼
Accrued charges and deferred income492/3€178€2k▲
Income statement
Code20242025
Non-recurring operating income76A€17k-
Remuneration, social security and pensions62€348k€149k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€71k€76k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€392
Other operating charges640/8€24k€19k▼
Operating charges capitalised as restructuring costs649€-97k-
Non-recurring operating charges66A€-10k-
Gross operating margin9900€254k€349k▲
Operating profit (loss)9901€-82k€105k▲
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€1k▼
Non-recurring financial income76B-€5k
Financial charges65/66B€53k€42k▼
Recurring financial charges65€43k€41k▼
Non-recurring financial charges66B€10k€500▼
Profit (loss) for the period before taxes9903€-133k€69k▲
Transfer from deferred taxes780€622€622=
Income taxes67/77€357€301▼
Profit (loss) for the period9904€-133k€69k▲
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€-130k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-458k€-386k▲
Profit (loss) brought forward from the previous period14P€-327k€-458k▼
Social balance
Average headcount (FTE)90874.72.4▼
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Back to profitnet €69k
Net result €69k after 3 loss-making years.
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-133k
Net result drops to €-133k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
20-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €119k
Net result €119k after 2 loss-making years.
30-06
Financial
Equity above €100kEq €149k ▲395%
Equity rises from €30k to €149k.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Antwerpen · 3 establishment units since 2002
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Gallifortlei 2752100 AntwerpenGround area
3,697 m²
Building footprint
2,174 m²
Volume, LiDAR
19,451 m³
3 parcels, Flanders · tallest building 29.1 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
Koffie De Vlijt
since 20022.026.069.187
Paardenmarkt 26-28, 2000 Antwerpen
since 20192.296.093.433
Hooftvunderlei 160, 2100 Antwerpen
since 20212.318.066.507
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11345B0010/00A000 | Flanders | 2,938 m² | 1 · 1,662 m² | 29.1 m · 3 fl. |
| 11802B0519/00D000 | Flanders | 404 m² | 1 · 282 m² | 17.0 m · 4 fl. |
| 11344A0561/00P007 | Flanders | 355 m² | 1 · 229 m² | 10.3 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 920 EUR awarded · 920 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 120 EUR | 120 EUR |
| 2022 | 1 | 800 EUR | 800 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.026.069.187
Similar companies · same sector, comparable size
BELGIAN FOOD PARTNERS
BE 0797.672.867
Halle · Eq €33k
L.L.A.V. GROUP
BE 1009.355.571
Wemmel · Eq €35k
CONFIANCE GLOBAL
BE 0843.946.619
Evere · Eq €32k
BOTAN
BE 0722.856.272
Schoten · Eq €32k
ANTWERP COFFEE COMPANY
BE 0544.951.344
Antwerpen · Eq €36k
Of 406 companies in sector 46370 we hold annual accounts for 210. 123 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-12-1984
Fiscal year end30-06
Trade name NL
KOFFIE DE VLIJT, GLEVI-PACK INT en RIO NUTS
Activities, NACEBEL
10830Manufacture of food products
46370Wholesale trade
47279Other retail sale of food
47299Retail trade
52272
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.